These Terms of Service ("Terms") form a binding contract between you ("you" or "User") and Learn Your Money (the "Operator" — full legal-entity identification, state of formation, and registered agent will be published in Section 14 of the Disclaimers page before any paid features are activated) ("we," "us," "our," or "Company") governing your access to and use of the Learn Your Money website, web application, downloadable templates, community forum, and all related services (collectively, the "Service").
By accessing or using the Service, by clicking "I Agree" on any acceptance prompt, or by paying for any membership or one-time purchase, you acknowledge that you have read, understood, and agree to be bound by these Terms and the linked Disclaimers and Privacy Policy. If you do not agree, do not use the Service.
You must be (a) at least 18 years old, (b) capable of entering into a binding contract, and (c) a resident of the United States. The Service is not designed for, and may not comply with, non-U.S. tax, privacy, or consumer-protection law (including GDPR, UK DPA, etc.).
The Service is a self-service software product that performs financial calculations from data you manually enter, including (without limitation): federal and state income-tax estimates, retirement projections, debt-payoff schedules, portfolio-allocation analysis, college-cost estimates, scenario comparisons, AI-generated scenario interpretations (where the user supplies an API key), and downloadable spreadsheet templates and document templates.
The Service is NOT any of the following, and no part of the Service shall be construed as such:
You agree, as a condition of using the Service, that you will independently consult a licensed Certified Public Accountant (CPA), Enrolled Agent, tax attorney, Certified Financial Planner (CFP®), estate-planning attorney, insurance broker, and/or other applicable licensed professional in your state before taking any of the following actions in reliance on Service output:
All Service output is mathematically derived from numbers you input. We do not verify, audit, or independently confirm the accuracy of any User input. "Garbage in, garbage out" — incorrect or incomplete inputs will produce incorrect or incomplete output. You are solely responsible for the accuracy of every entry.
Tax constants (federal brackets, state brackets, exemption amounts, retirement-account limits, gift-tax exclusions, etc.) are based on published U.S. federal and state guidance as of the Effective Date of these Terms. Tax law changes frequently. We make no warranty that constants in the Service reflect the most current published values, and you must independently verify all figures with a licensed professional.
The Service includes optional features that use third-party large-language-model APIs (currently Anthropic Claude) supplied with an API key by you. Output from such models is non-deterministic, may contain errors or "hallucinations," and may not reflect current law. You agree to manually review every AI-generated output before applying, saving, or acting on it. We are not liable for any AI-generated content.
The Service offers a full first year of premium features at no cost to every new account. No credit card is required to activate the first year. We do not auto-charge any payment method during or after the first year — because no payment method is on file, no charge can occur unless you explicitly initiate a paid annual Membership through the Membership page.
After the first year, continued access to premium features requires a paid Annual Membership at the price displayed on the Membership page (currently $9.99/yr, locked in for early signups). Membership is billed annually in advance through our payment processor (Stripe and/or Gumroad). Once initiated, Membership renews automatically each year unless cancelled. You may cancel at any time through the payment processor's customer portal; cancellation stops future renewals but does not entitle you to a pro-rata refund of the current term unless required by law or our 30-day money-back guarantee (below).
If you request a refund of your annual Membership within 30 days of the initial purchase or annual renewal, we will refund the full amount, no questions asked, by emailing LearnYourMoney.ops@gmail.com. After 30 days, no refunds are available except as required by applicable law.
The Service does not create legal documents. Trust and estate pages are educational organizers only. If we ever introduce a paid offering related to trust or estate information in the future, we will publish the terms here before any charge takes effect, and any required refund policy will appear in this section at that time.
Discount coupons (HOLIDAY50, WELCOME2U, etc.) may be made available from time to time. We reserve the right to modify, suspend, or end any promotion at any time without notice.
If you initiate a chargeback with your bank or card issuer rather than requesting a refund directly from us, we may permanently terminate your access without further refund.
You agree not to, and not to permit any third party to:
All software, content, designs, templates, and trademarks composing the Service are owned by Company or its licensors and protected by U.S. and international intellectual-property laws. Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for your personal, non-commercial purposes.
Spreadsheet templates you legally download from the Service become your own working copies once downloaded. You may modify and use them for your own personal purposes. You may not redistribute them, resell them, or hold them out as your own original work for commercial purposes.
You retain ownership of content you post to the Community Forum. By posting, you grant Company a perpetual, worldwide, royalty-free, sublicensable license to host, display, moderate, and (subject to law) remove your content as part of operating the Service.
Forum participation requires acceptance of the Community Rules shown at signup. Violations (harassment, doxxing, hate speech, sharing of others' personal information, posting personalized professional advice, spam) result in automatic 7-day mutes after three valid reports and may result in permanent account ban at Company's sole discretion. You expressly waive any claim against Company arising from moderation, removal, mute, or ban decisions.
The Service is provided "AS IS" and "AS AVAILABLE" without warranty of any kind, express, implied, or statutory. To the maximum extent permitted by applicable law, Company expressly disclaims all warranties, including without limitation warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, reliability, completeness, currency, security, freedom from viruses or defects, and uninterrupted operation. Company does not warrant that the Service or its output is correct, current, complete, or suitable for any particular purpose, or that calculations comply with any specific federal, state, or local tax or legal requirement.
To the maximum extent permitted by applicable law:
You agree to defend, indemnify, and hold harmless Company, its officers, directors, employees, contractors, and affiliates from and against any and all claims, demands, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) any decision you make or action you take in reliance on Service output; (c) your filing of any tax return prepared with reference to Service output; (d) the execution or non-execution of any trust, will, power of attorney, or other instrument generated from a Service template; (e) your violation of these Terms; (f) your violation of any law or third-party right; or (g) any content you post to the Community Forum.
Before filing arbitration, you agree to attempt to resolve the dispute informally by emailing LearnYourMoney.ops@gmail.com with a detailed description and 30-day cure period.
If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by final and binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, conducted in California or, at the parties' mutual agreement, by remote or online proceedings to the extent permitted by the AAA's Consumer Arbitration Rules, by a single arbitrator. The arbitrator's decision shall be final and may be entered as a judgment in any court of competent jurisdiction.
YOU AGREE THAT ANY DISPUTE WILL BE BROUGHT ON AN INDIVIDUAL BASIS ONLY. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, CONSOLIDATED ACTION, OR REPRESENTATIVE ACTION.
You may opt out of this arbitration agreement by sending written notice to LearnYourMoney.ops@gmail.com within 30 days of first accepting these Terms.
Either party may bring small-claims-court actions, and either party may seek injunctive relief in court to protect intellectual-property rights.
These Terms are governed by the laws of the State of California, USA, without regard to its conflict-of-laws principles. For matters not subject to arbitration, venue lies exclusively in the state or federal courts located in California.
We may suspend or terminate your access at any time, with or without notice, for any reason including violation of these Terms. Upon termination, your right to use the Service ends immediately; provisions intended to survive (Sections 4, 6, 8, 10, 12, 13, 14, 15, 16, 18) shall survive.
These Terms, together with the Disclaimers and Privacy Policy, constitute the entire agreement between you and Company regarding the Service.
If any provision is found invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Failure to enforce any provision is not a waiver of future enforcement.
You may not assign these Terms. We may assign them in connection with a merger, acquisition, or sale of assets.
We may update these Terms from time to time. Material changes will be announced via email (if you've subscribed) or via prominent in-app notice. Continued use after the effective date of changes constitutes acceptance. The "Version" number above bumps for material changes; if your stored acceptance is for an older version, you will be re-prompted to re-accept.
Company is not liable for failures caused by events beyond its reasonable control, including acts of God, war, pandemic, internet outages, or third-party service failures.
These Terms do not create third-party beneficiary rights.
Questions, refund requests, legal notices, and DMCA notices:
Learn Your Money
LearnYourMoney.ops@gmail.com
Full legal-entity identification (entity name, state of formation, registered-agent address) will be published here before paid features are activated. Until that disclosure is published, no paid transactions will be accepted through the Service.